Private Car Policy - Bundled

Certificate of Insurance cum Policy Schedule

HyundaiAlcazar Valid from Valid till (midnight)

18 NOV 22 18:07 17 NOV 25

Car owner Plan

Policy price Car value
VIJAY JOSHUA Private Car Policy - Bundled
with Zero Depreciation ₹ 42396.48 ₹ 1899905

Owner email Owner number Is this your number?

vXXXXXXXXXXXX6@gmail.com XXXXXX6446 If not, please call us at 1800 266 2256

WELCOME! We’re happy to have you at Acko, and promise to be there for you always. You’re now a part of the Acko Advantage
program, which takes care of everything if your car ever runs into trouble. Just call us immediately on 1800 266 2256 when things
go wrong and we’ll take it from there.

Acko Non-Acko
Advantage* Advantage

Free car pick-up from home,

office or accident site

Repairs at our network of expert

garages.

3-day repair guarantee.

Cab voucher** worth Rs.

500/day if there's a repair delay.

Car drop at your doorstep.

Cashless and hassle-free

processing.

*Only applicable in selected cities provided you call us immediately - Ahmedabad | Bangalore | Chennai | Delhi | Hyderabad | Kolkata | Mumbai | Pune
**Cab vouchers available in the cities mentioned above. Please refer the Terms & Conditions for more details

Workshops Call Acko for fast approvals and Enter the GST# in the invoice:
instant settlements 27AAOCA9055C1ZJ
& Garages 1800 266 2256

In emergencies that require towing, call 1800 266 2256 Page 1 of 3

What’s covered What’s not
ACCIDENTS NON-ACCIDENTAL DAMAGE
Damage due to the car meeting with an accident. Like depreciation, wear & tear, breakdown, failures &
breakages, and deductibles.
FIRE
In case your car catches fire, resulting from self-ignition, CONSEQUENTIAL LOSS & CONTRACTUAL LIABILITY
explosion or lightning. Further damage or liability arising due to car accident

THEFT NUCLEAR RISK & WAR

If your car is stolen, we will pay you the value (as mentioned Damages to your car due to nuclear risk, war & mutiny.
above) of your car.
ILLEGAL DRIVING
CALAMITIES Damage due to the car driven by a person without a driving
Damage due to natural or man made causes like earthquake, license or under influence of liquor/drugs.
riots, etc.
TYRE, TUBES & ENGINE
THIRD-PARTY LOSSES Not included unless the tyre, tubes & engine are damaged
Death, injury or property damage of any third party arising due to an accident.
from use of the car.
COMMERCIAL USAGE OF THE CAR
CAR OWNER COVER If the Car is registered as Private vehicle & if it is used for
Death and disability cover for the car owner commercial purpose than the losses or liability due to
accident during such usage is not covered in this policy.

Addon(s) Selected

Name Description Tenure start Date End Date

ZERO DEPRECIATION Covers the depreciation of parts which are

1 18 Nov 22 18:07 hrs 17 Nov 23 23:59 hrs
CAR replaced during car repair

Covers towing (upto 40Kms), labour cost in

ROAD SIDE case of minor on-spot repairs, puncture,
1 18 Nov 22 18:07 hrs 17 Nov 23 23:59 hrs
ASSISTANCE battery jump-start etc due to vehicle
breakdown or accident.
Covers the cost of consumables like nut,
CONSUMABLES bolt, lubricant etc consumed during car repair 1 18 Nov 22 18:07 hrs 17 Nov 23 23:59 hrs
due to accident.

The Information provided herein above is for the purpose of illustration only. For more details on risk factors, terms, conditions
and exclusions, please read the policy wordings (www.acko.com/download) carefully.

In emergencies that require towing, call 1800 266 2256 Page 2 of 3

 PRIVATE CAR POLICY - BUNDLED
Package Policy Schedule

POLICY DETAILS VEHICLE DETAILS

Insured Name: VIJAY JOSHUA Registration Number: NEW

Address: FLAT NO - B/807, SARA METRO RTO Code: MH14
VILLVE, SR. NO - 11/1 , PUNAW Make/Model: HyundaiAlcazar
ALE ,PUNE
Variant: 1.5 Signature(O) AT
Pincode: 411043 7STR
GSTIN: Registration Year: 2022
Period of Insurance: 18 Nov 22 18:07 00:00 hrs to 17 Manufacturing Year: 2022
Nov 25 23:59 hrs
Engine CC/Fuel Type: 1493 / diesel
Own Damage Period: 18 Nov 22 18:07 00:00 hrs to 17
Nov 23 23:59 hrs Engine No: D4FANM704928

PA Owner Driver Cover Period: 18 Nov 22 18:07 00:00 hrs to 17 Chassis No: MALPC813MNM834091
Nov 23 23:59 hrs
Policy Issuance Date: 18 Nov 22
Policy Number: BCBA00703055564/00
Nominee: METILDA VIJAY JOSHUA, wife,
32
Owner Number: XXXXXX6446

INSURED DECLARED VALUE (IDV)

Tenure Period Vehicle IDV (₹) Accessories (₹) Bifuel Kit (₹) Total IDV (₹)
Year 1 18 Nov 2022 - 17 Nov 2023 1899905 0 0 1899905

PREMIUM DETAILS (₹)

Own Damage Premium (A) Liability Premium (B)
Basic Own Damage ₹ 15674.22 Basic Third Party Liability ₹ 10640.0
NCB Discount PA for Owner Driver ₹ 399.0
Addon(s) Premium ₹ 9216.0
Net Own Damage Premium (A) ₹ 24890.22 Net Liability Premium (B) ₹ 11039.0

Total Package Premium ₹ 35929.22

SGST (9%) ₹ 3233.63

CGST (9%) ₹ 3233.63

Total Premium ₹ 42396.48
Geographical Area: India Compulsory Deductible: ₹ 1000 Voluntary Deductible: ₹0
No-Claim Bonus: 0% Hypothecation: HDFC BANK LTD

Acko General Insurance Ltd.

Unit No. 301, 3rd Floor, E Wing, Lotus Corporate Park, Off Western Express Highway, Goregaon (E),
Mumbai – 400063.
Email: hello@acko.com | Phone: 1800 266 2256 | www.acko.com
CIN : U66000MH2016PLC287385 | IRDAI Reg No. 157 | HSN: 997134 |
UIN: IRDAN157RP0014V01201819, A0020V01201819, IRDAN157RP0024V01201819, A0021V01201819, For Acko General Insurance Ltd.
A0023V01201819 Duly Constituted Attorney

In emergencies that require towing, call 1800 266 2256 Page 3 of 3

INTERMEDIARY DETAILS

Policy Issuing Office: Direct - Mumbai Intermediary Name: Direct

Phone Number: N/A Intermediary Code: N/A

Limitations As To Use: The Policy covers use only under a permit within the meaning of the Motor Vehicle Act (M V Act) 1988 or such a carriage falling
under Sub-Section (3) of Section 66 of the Motor Vehicle’s Act 1988. The Policy does not cover use for: a) Organised racing b) Pace Making c) Reliability
Trials d) Speed Testing e) Use whilst drawing a trailer except the towing (other than for reward) of any one disabled mechanically propelled vehicle. Persons
or Class of Persons entitled to drive: Any person (including the insured), provided that a person driving holds a valid driving license at the time of the
accident and is not disqualified from holding or obtaining such a license. Provided also that the person holding a valid learner’s license may also drive the
vehicle when not used for the transport of passengers at the time of accident and that such a person satisfies the requirements of Rule 3 of the Central
Motor Vehicles Rules, 1989. Limits of Liability. 1. Under Section II-1 (i) of the policy - Death of or bodily injury - Such amount as is necessary to meet the
requirements of the Motor Vehicles Act, 1988. 2. Under Section II - 1(ii) of the policy -Damage to Third Party Property - Rs. 750000 3. P. A. Cover under
Section III for Owner - Driver(CSI): Rs. 1500000 Terms, Conditions & Exclusions: As per the Indian Motor Tariff. A personal copy of the same is available
free of cost on request & the same is also available at our website. Please note: Previous Policy document is required in case of claim within 30 days of the
Acko Policy Start Date.
I / We hereby certify that the policy to which the certificate relates as well as the certificate of insurance are issued in accordance with the provision of
chapter X, XI of M. V.Act 1988. Stamp Duty of Rs ** /- is paid as provided under Article 47 of Indian Stamp Act, 1899 and included in Consolidated Stamp
Duty Paid to the Government of Maharashtra Treasury vide Order of Addl. Controller of Stamps, Mumbai at General Stamp Office, Fort, Mumbai - 400001.,
vide this Order No. (LOA/CSD/393/2022/Validity Period Dt. 15/07/2022 To Dt. 31/12/2023 / 2912 Date:01/07/2022). GSTN: 27AAOCA9055C1ZJ.
IMPORTANT NOTICE: The Insured is not indemnified if the vehicle is used or driven otherwise than in accordance with this Schedule. Any payment made
by the Company by reason of wider terms appearing in the Certificate in order to comply with the Motor Vehicle Act, 1988 is recoverable from the Insured.
See the clause headed "AVOIDANCE OF CERTAIN TERMS AND RIGHT OF RECOVERY" in the policy wordings. Disclaimer: The Policy shall be void
from inception if the premium cheque is not realized. In the event of misrepresentation, fraud or non-disclosure of material fact, the Company reserves the
right to cancel the Policy. The policy is issued basis the information provided by you, which is available with the company. In case of discrepancy/non
recording of relevant information in the policy, the insured is requested to bring the same to the notice of the company within 15 days.This Policy is to be
read in conjunction with the Policy wordings (https://www.acko.com/download) available on the website of the Company. On renewal, the benefits provided
under the policy and/or terms and conditions of the policy including premium rate may be subject to change.

Acko General Insurance Ltd.

Unit No. 301, 3rd Floor, E Wing, Lotus Corporate Park, Off Western Express Highway, Goregaon (E),
Mumbai – 400063.
Email: hello@acko.com | Phone: 1800 266 2256 | www.acko.com
CIN : U66000MH2016PLC287385 | IRDAI Reg No. 157 | HSN: 997134 |
UIN: IRDAN157RP0014V01201819, A0020V01201819, IRDAN157RP0024V01201819, A0021V01201819, For Acko General Insurance Ltd.
A0023V01201819 Duly Constituted Attorney
 PREMIUM RECEIPT

Received with thanks from VIJAY JOSHUA a sum of ₹ 42396.48 towards premium on Car Insurance Policy

INSURED DETAILS INTERMEDIARY DETAILS

Name of Insured: VIJAY JOSHUA Name: Direct - Mumbai

Address: FLAT NO - B/807, SARA METROVILLVE, Code: N/A
SR. NO - 11/1 , PUNAWALE ,PUNE
GST:
Period of Insurance: 18 Nov 22 18:07 00:00 hrs to 17 Nov 25
23:59 hrs
Policy Number: BCBA00703055564/00

PREMIUM DETAILS (₹)

Net Premium ₹ 35929.22

SGST (9%) ₹ 3233.63

CGST (9%) ₹ 3233.63

Total Premium ₹ 42396.48

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate
turnover notified under sub-rule (4) of rule 48 of CGST Rules 2017, we are not required to prepare an invoice in terms of the provisions of the
said sub-rule.

TERMS & CONDITIONS

Issuance of this receipt does not amount to acceptance of the risk by Acko General Insurance Limited. The insurance cover for
the risk shall be as per the terms and conditions of the Insurance Policy if and when issued. Cheque/DD/PO receipt is valid
subject to the realization of the instrument.

Acko General Insurance Ltd.

Unit No. 301, 3rd Floor, E Wing, Lotus Corporate Park, Off Western Express Highway, Goregaon (E),
Mumbai – 400063.
Email: hello@acko.com | Toll Free: 1800 266 2256 | www.acko.com
CIN : U66000MH2016PLC287385 | IRDAI Reg No. 157 | HSN: 997134 |
UIN: IRDAN157RP0014V01201819, A0020V01201819, IRDAN157RP0024V01201819, A0021V01201819, For Acko General Insurance Ltd.
A0023V01201819 Duly Constituted Attorney
 PROPOSAL FORM

Dear VIJAY JOSHUA,

We wish to inform you that the Insurance policy number BCBA00703055564/00 has been issued on the basis of the information
and declaration given by you, the transcript whereof is mentioned below.

Please be informed that this Policy shall be construed to be void ab initio/invalid in the event we find that you have not disclosed material or
correct information required for the purpose of providing the below insurance cover and in case of any claim arising under the policy in such a
scenario, we shall be under no obligation whatsoever to settle such claim to you and the premium paid by you under this policy shall stand fully
forfeited.

POLICY DETAILS CAR DETAILS

Policy Number: BCBA00703055564/00 Car Number: NEW

Period of Insurance: 18 Nov 22 18:07 00:00 hrs to 17 Nov 25 Make/Model: HyundaiAlcazar
23:59 hrs Variant: 1.5 Signature(O) AT 7STR
Policy Issuance Date: 18 Nov 22 Engine CC/Fuel Type: 1493 / diesel
Registration Year: 2022
Manufacturing Year: 2022
Insured Declared Value (IDV): ₹ 1899905
Accessories (IDV): 0
CNG/LPG Kit (IDV): 0

CAR OWNER DETAILS NOMINEE DETAILS

Name: VIJAY JOSHUA Name: METILDA VIJAY JOSHUA

Email Address: vXXXXXXXXXXXX6@gmail.com Relationship with Insured: wife
Mobile Number: XXXXXX6446
Pincode: 411043

Covers Opted Not Opted

Zero Depreciation -
Road Side Assistance -
Consumables -
NCB Protect -
Key Protect -
Engine Protect -
Invoice Cover -

"I/We hereby declare that the statements made by me/us in this proposal form are true to the best of my knowledge and belief and I/We hereby
agree that this declaration shall form the basis of the contract between me/us and Acko General Insurance Ltd. I/We agree and undertake to
convey to Acko General Insurance Limited any change / alterations carried out in the risk proposed for insurance after submission of this
proposal form. I/we hereby declare that the contents of the form have been fully explained to me/us and that I/we have fully understood the
significance of the proposed contract.

Prohibition of Rebated (Section 41) of the Insurance Act - 1938 (as amended)
1. No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue and
insurance in respect of any kind or risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any
rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate expect such
rebate as may be allowed in accordance with the prospectus or tables of the Insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to 10 lakh rupees.

Acko General Insurance Ltd.

Unit No. 301, 3rd Floor, E Wing, Lotus Corporate Park, Off Western Express Highway, Goregaon (E),
Mumbai – 400063.
Email: hello@acko.com | Toll Free: 1800 266 2256 | www.acko.com
CIN : U66000MH2016PLC287385 | IRDAI Reg No. 157 | HSN: 997134 |
UIN: IRDAN157RP0014V01201819, A0020V01201819, IRDAN157RP0024V01201819, A0021V01201819, For Acko General Insurance Ltd.
A0023V01201819 Duly Constituted Attorney